 Penalty-free distributions from a 401k or an IRA, as well as Roth IRAs five years or older. So guess what? You hit 59 and a half. We can take your 401k, wipe it completely clean, not tax it, move it to an IRA for you. You could self-manage it. You can allow us to manage it. You can do all kinds of things with it. The world becomes your playground. But you didn't leave your company. You're still there, and now you have a 401 with nothing in it.